10 Money Saving Deals On Veterans Day

There are so many ways we should thank our Veterans on this special day.   In this great country of ours, many restaurants and shops across American are giving back to our military and offering them some really amazing deals.  Here are ten of my favorites for Veterans to check out and please go to a great military blog http://themilitarywallet.com/veterans-day-free-meals-and-discounts/ to check out the full list. (source: TheMilitaryWallet)  Make sure to have the appropriate I.D. with you before you go and always check local stores to make sure they are participating in the program. Applebee’s, free meal, Nov. 11, 2014: Last year, Applebee’s served over one million free meals to military veterans and active service members. Applebee’s is again offering a free meal to military veterans and active-duty service members on Veterans Day, Tuesday, Nov. 11, 2014. There will be 7 entrées to choose from, beverage and gratuity not included. Military ID or proof of service required. More. California Pizza Kitchen, Nov. 11, 2014. Choose ...

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Down Payment Vs Invest The Difference

While 30-year mortgage rates are not at the lows of 3% we saw in 2012, mid to low 4% rate are still really good. It is very tempting to make a small down payment and use the difference in an investment with a higher potential for return. If you only make a 5% down payment instead of a 20%, you will pay thousands in extra interest and PMI insurance. Plus, beating your 4% cost of funds is no slam dunk. Making a larger down payment will ensure that you your return on money is equal to your mortgage rate and will give you a small monthly mortgage payment, leaving you free to invest the extra cash or hang on to it for everyday expenses. Making additional principal payments on your mortgage can save you thousands in interest and pay off that loan quicker. It’s hard to put a return on investment by becoming mortgage free, but taking the weight off ...

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5 Ways For Women To Build Confidence

So I know what you are about to say.  What does a 44 year old guy know about women building confidence.  I’m not about to tell you that I know the secret of women, but I thought I would attempt to list some things women can do to build confidence.  After reading  from the book The Confidence Code by Katty Kay and Claire Shipman, I picked up these 5 ways woman can build confidence: You don’t have to make things perfect, so stop tinkering You have to keep moving forward and tinkering takes time.  Even if you are wrong, failing fast can reduce the time going down blind alleys. Leave your comfort zone Try something you thought you’d never be good at.  The old saying  “What doesn’t kill you will make you stronger” is so true. Take credit for your successes Don’t just brush off a compliment, accept it.  Use it to give your next step confidence. Give rid of ...

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McDonald’s Happy, and Starbucks isn’t Lovin’ It

September 29th is National Coffee day and McDonald’s is going to be Lovin’ It.  If you drink coffee, you’re going to be Lovin’ It too.  The fast food chain will be giving away free small McCafe coffee during breakfast for the two weeks leading up to National Coffee Day.  While you and I are going to be lovin our SmartMoneyMoves, saving money for a couple of weeks; McDonalds is going to be smiling all the way to the bank.  This is the second time they have done a two week coffee give away.  At their spring event they gave away millions of cups and the huge success brought in many new customers.  The company has found that those coming for the free coffee, will also buy other breakfast items.  Their breakfast items are very profitable for them, so free coffee actually nets them millions. And if you get hooked on their flavor, soon you will see thru Kraft both McCafe ...

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Why Your Kid Needs To Be On Social Media

I knew as soon as I wrote this title that it seems to defy Jenkin logic. Why in the world Ted does my kid need to be on Social Media? With all the Instagramming, Facebooking, and Twittering, do I really need my child exposed to more technology and creepazoids who are trolling the Internet? My general thought around this has historically been no, but it is becoming increasingly hard to avoid the allure of freebies that can come by simply being plugged into social media. For those that thought this was a fad, you are quickly seeing a transformation around the future of how our children will do much of their communication. How is it possible that having your kids connected to social media can make them more smart money moves in their life? Here are three examples of how this change occurs: Example 1: BurgerFi (In Restaurant Giveaways)– For the past few weekends, my family and I have tried ...

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As Coffee Prices Go Up . . .

In the past year, the price of a pound of coffee beans has more than doubled on the commodities market in New York, to $2.23 a pound as of Thursday, May 24th of this year.  Roiled by everything from changes in the Brazilian crop to the cost of transportation from Africa to increasing demand from a growing middle class in China and India, the fuel of choice for many has become so precious there are reports of thieves stealing containers of beans at ports or even stripping trees in the fields. (source: m.knoxnews.com) What it has meant to most of us is that cups of coffee you get at Starbuck’s or Dunkin’ Donuts will be rising as well as the coffee you bring home in the supermarket. So what can you do to make a smart money moves during times when your favorite beverage of the day is soaring through the roof? Save last night’s coffee –  The apple must ...

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